Hdfc Ergo Critical Illness

Lifetime Renewability
No medical checkup upto age 45
15 critical illness covered

Network hospitals

13000+

Claim settlement ratio

98.49%

Sum insured

2 CR

No. of Plans

Solvency Ratio

1.68

Pan India Presence

200+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

1 Adult

2 Adults

2 Adults & 1 Child

2 Adults & 2 Children

2 Adults & 3 Children

Other Members

Age of Eldest Member

Network hospitals

13000+

Claim settlement ratio

98.49%

Sum insured

2 CR

No. of Plans

Solvency Ratio

1.68

Pan India Presence

200+

Hdfc Ergo Critical Illness

Critical illness are long term life threatening ailments which come with a huge treatment cost. The procedures to treat are generally expensive, and have the potential of depriving you of your entire savings. To deal with the exorbitant cost involved, you need to be prepared accordingly. The cost of medical treatment for critical illnesses is exorbitant and one needs to be accordingly protected from such unwarranted costs. For this we need a Critical Illness Insurance policy that covers the insured against life-threatening critical diseases such as cancer, heart attack, renal failure etc. The HDFC ERGO Critical Illness Plan comes here as a savior as it pays out cash to help cover those overruns when traditional health insurance may fall short.

HDFC ERGO Critical Illness Plans

The HDFC ERGO Critical Illness Plans offer a lump sum benefit amount to the insured person on the first diagnosis after a survival period of 30 days and for any one of such illnesses as specified in the policy. There are two plan variants as both plans have a large coverage, with few differences . Let's have a quick view of the plans:

The HDFC ERGO Critical Illness - Silver Plan

The policy comes with the benefit of lifetime renewability and a high sum insured of up to 50 lakhs. Here are its key features:

Unique Features

Covers 8 critical illnesses
1 to 2 year coverage
No checkup till 45 yrs

The HDFC ERGO Critical Illness- Platinum Plan

The platinum policy comes with a larger critical illness cover and high sum insured of 50 lakhs. The plan needs zero documentation.

Unique Features

Covers 15 critical illness
No checkup till 45 yrs
Lifetime renewability

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The HDFC ERGO Critical Illness Plans Eligibility

People who want to opt for HDFC ERGO Critical Illness plans must meet the following eligibility criteria:

Age (as on last birthday)

Minimum: 18 Years/ Maximum: 65 Years

Free Look Period

15 Days

Policy Term

1/2 Years

Plan Type

Individual/Family

Sum Insured

1 Lacs | 50 Lacs

Grace Period

30 Days*

Individuals with entry age above 45 years have to undergo a medical checkup before the policy is issued.
The policyholders may have to undergo a pre-policy check depending on the age and sum insured at the empanelled diagnostic centers at their own cost.

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HDFC ERGO Critical Illness Features

HDFC ERGO Critical Illness plans has many unique features. Let's have a look at the features of the policy.

Lump sum benefit on the first diagnosis of any of 15 critical illnesses.
Two plan variations i.e. of Silver and Platinum are available.
Lifetime renewability option.
Entry age 5 years to 65 years.
Sum insured available from INR 100,000 to INR 50,00,000.
Option to choose survival period of 15 days/ 30 days.
Tax Benefit under section 80D (Subject to change in Tax Laws).

HDFC ERGO Critical Illnesses Covered

The list of critical ailments covered by HDFC ERGO are as follows:

Heart Attack (Myocardial Infarction)

Coronary Artery Bypass surgery

Stroke

Benign Brain Tumor

Parkinson's Disease

Alzheimer's Disease

End Stage Liver Disease

Cancer

Major Organ / Bone Marrow Transplant

Multiple Sclerosis

Paralysis

Aorta Graft Surgery

Primary Pulmonary Arterial Hypertension

Heart Valve Replacement

Kidney Failure

Explore HDFC ERGO Health Insurance

Know more about HDFC ERGO Insurance plans, claim process, buying process, and contact details of the company by clicking on the sections below:

Claim Process

Click to know HDFC ERGO Health Insurance Claim Process.

Buying Process

Click to know HDFC ERGO Health Insurance Buying Process.

Feel free to contact HDFC ERGO Health Insurance for more details.

Explore other HDFC ERGO Health Plans

There are 9 other plans offered by the HDFC ERGO Health Insurance along with HDFC ERGO Critical Illness Health Insurance. Take a look below to explore them:

HDFC ERGO Critical Illness Policy

An ideal health plan for people with a pre-existing critical illness or a family history of critical illnesses. Get comprehensive coverage for 15 critical illnesses.

Unique Features

One-time lump sum payment
No medical checkup up to 45 years
Lifelong renewability

HDFC ERGO Energy Diabetes

Designed especially for people with pre-existing diabetes or hypertension. Get coverage for diabetes and hypertension from Day 1 without any waiting period.

Unique Features

Stay fit & earn reward points
100% SI restoration
Health coach & wellness programs

Health Wallet Family Floater

A flexible and comprehensive health plan, securing your today & tomorrow. With 'Reserve Benefit' features, this plan grows unused policy amount @6% interest rate.*

Unique Features

Automatic SI restoration
Multiplier benefit
Free preventive health checkup

iCan Cancer Insurance

Covers all types of cancer at all stages with lifelong renewability option. If diagnosed with IV stage cancer or relapse, this plan pays 100% of SI as a lump sum.

Unique Features

Coverage for modern treatments
Second opinions available
Coverage for follow-up care

HDFC ERGO Koti Suraksha

An individual and family health plan providing SI of up to 1 crore to prepare you to meet constantly increasing medical inflation.

Unique Features

Free preventive health checkup
Multiple wellness services
Up to 10% of fitness discount

My:health Women Suraksha

Women-oriented health plan providing comprehensive medical insurance with major illnesses cover, and cancer cover all under a single plan but different variants.

Unique Features

Pregnancy & newborn complications
SI options from 3L - 1 Cr
Free preventive health checkup

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HDFC ERGO Critical Illness: FAQs

1. What is the minimum and the maximum age for the HDFC ERGO critical illness plans?

The age duration to purchase HDFC ERGO Critical Illness plans is minimum of 5 years and maximum 65 years.

2. What is the age up to which medical test is not required in HDFC ERGO critical illness plans?

For HDFC ERGO Critical Illness Plans medical test is not required up to the age of 45.

3. What is the survival period for HDFC ERGO Critical Illness Plans?

The patient should survive for at least 30 days even if he is diagnosed with a critical illness listed in the insurance coverage

4. Why do we need a critical insurance plan?

Critical Illness Insurance provides you and your family, the additional financial security on the diagnosis of a critical illness. The policy provides a lump sum amount which could be used for costs of the care and treatment, recuperation aids, debts pay off and many other benefits.

Read Reviews & Ratings

Subhro Jha

Hyderabad

September 14, 2022

It was great experiance with Policyx.com about the claims as i got rejection my claim from HDFC Ergo but after getting support of policyx.com i got my claim and the complete amount is given by...

Vedika Verma

Delhi

May 25, 2022

With several health plans, HDFC ERGO offers looks after the healthcare need of every individual. I am glad that I chose to buy health insurance from HDFC ERGO

Vedantu Singhania

Coimbatore

August 5, 2021

Thanks to HDFC ERGO Health Insurance company for ensuring that all the healthcare needs of your customers are looked after. I am glad that I got in touch with PolicyX.com who helped me at every...

Usha Dodiya

Indore

May 20, 2021

Policyx.com give very good insurance policy I will recommend to everyone and manager support is very gool

harish kumar

Delhi

March 16, 2021

thanks to Policyx and HDFC to provide good service at the time of claims he help me two times and provide 100% cashless benefit

ambika chauhan

Chennai

March 4, 2021

i am happy that i recieved my claim today. got good support. after first rejection i was scared, but i got it due to the sipport of policyx

Ashu Goyal

Ludhiana

March 4, 2021

I have taken the policy of HDFC ergo by Policy X.Com , Claim settlement Tat is very Good . Policy X.com team is helpful about claim settlement without any issue.

Meenakshi Singh

Delhi

March 4, 2021

I took this policy from Policyx as this company have helped my friend at his time of need which is claim compensation and I was extremely happy that with so much patience they have helped and e...

View All HDFC Ergo Health Insurance Reviews

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.

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Hdfc Ergo Critical Illness

HDFC ERGO Critical Illness Plans

The HDFC ERGO Critical Illness - Silver Plan

The HDFC ERGO Critical Illness- Platinum Plan

Other Critical Illness Health insurance companies

The HDFC ERGO Critical Illness Plans Eligibility

Age (as on last birthday)

Free Look Period

Policy Term

Plan Type

Sum Insured

Grace Period

Health Insurance Companies

HDFC ERGO Critical Illness Features

HDFC ERGO Critical Illnesses Covered

Explore HDFC ERGO Health Insurance

Renewal Process

Claim Settlement Ratio

Premium Calculator

Explore other HDFC ERGO Health Plans

My:health Women Suraksha

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HDFC ERGO Critical Illness: FAQs

1. What is the minimum and the maximum age for the HDFC ERGO critical illness plans?

2. What is the age up to which medical test is not required in HDFC ERGO critical illness plans?

3. What is the survival period for HDFC ERGO Critical Illness Plans?

4. Why do we need a critical insurance plan?

Read Reviews & Ratings

Reviewed By: Naval Goel

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